Bad Credit Agency

whats the best way 2 rebuild bad credit, if you cant get a credit card?

i got my credit report recently and i have no idea on how to better my credit score so that i can get a loan to start a small business. help please

Public Comments

1. Pay your creditors.
2. It depends on why your credit rating is bad. Do you have charge offs, or collections? Do you have no credit at all? If you have bad debts, you have to pay them, settle them or dispute them. You can use a credit counseling service, but make sure it's non-profit. If you don't have any credit, or don't have enough credit, you can usually go to sears or Jc Penney and get a card. They are usually easier to get. You must pay your bill ontime religiously for 6 months. They you can get a better credit card. Be sure to read the cardmember agreement closely.
3. Make all your payments on time whether it be your house, car, whatever and get all your debt taken care of. I used one of those debt consolidation programs and I had 5000 dollars worth of debt paid off in no time. They illiminate a lot of the interest for you. Good luck!
4. buy small thing and pay if off in full each month and u should see a change with in 6 months